Mabatini Group

Meet Ramadhani O. and the Mabitini Group. Ramadhani is 45 years old, divorced, and the father of five sons who are between two and 22 years old. His eldest three children go to school.

Ramadhani has been running a fish selling business for 15 years. He buys fish each morning and sells fresh fish and fried fish at two locations. He works every day from 8 am until late at night, and earns about $570 each month.

He has used two previous loans from Tujijenge Tanzania to expand his business and repaid them both successfully. Ramadhani will use this loan to open a third location for selling fish and to buy a small boat which will provide added products each day. Ramadhani will use any extra profits to cover household expenses and school fees for his children. He hopes to continue supporting his children through school, and eventually to buy a car.

Ramadhani is the President of his group and this will be his first Motisha loan. A Motisha loan is a product offered by Tujijenge Tanzania that allows borrowers with good credit ratings to pay back their original loans faster and receive extra money before their original loan term has ended. The 6 group members will hold each other accountable for paying back the loan.

Ramadhani is wearing a blue shirt in the picture.

Additional Information

About Tujijenge Tanzania

This loan is administered by Tujijenge Tanzania, which was founded in 2006. It has operations in Dar es Salaam, the coastal region, and the Lake Victoria region. The organization aims to reach out to micro entrepreneurs and provide them with financial and social intermediation services because capital is one of the major barriers to development and success for micro-enterprise initiatives in Tanzania.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.